Exclusions
Travel Accident & Medical Emergency Insurance
This Insurance excludes claims:
1. Directly or indirectly occasioned by or happening through or in consequence of war, hostilities or warlike operations (whether war be declared or not), invasion, acts of an enemy foreign to the nationality of the insured person or in the country in, or over, which the act occurs, civil war, riot, rebellion, insurrection, revolution, overthrow of the legally constituted government, civil commotion assuming the proportions of, or amounting, an uprising, military or usurped power, explosions of war weapons, utilization of Nuclear, Chemical or biological weapons of mass destruction howsoever these may be distributed or combined , murder or assault subsequently proved beyond reasonable doubt to have been the act of agents of a state foreign to the nationality of the insured person whether war be declared with that state or not, terrorist activity.
For the purpose of this exclusion;
a) Terrorist activity means an act, or acts, of any person, or group(s), of persons, committed for political, religious, ideological or similar purposes with the intention to influence any government and/or to put the public, or any section of the public, in fear. Terrorist activity can include, but not be limited to, the actual use of force or violence and/or the threat of such use. Furthermore, the perpetrators of terrorist activity can either be acting alone, or on behalf of, or in connection with any organization (s) or government(s).
b) Utilization of Nuclear weapons of mass destruction means the use of any explosive nuclear weapon or device or the emission, discharge, dispersal, release or escape of fissile material emitting a level of radioactivity capable of causing incapacitating disablement or death amongst people or animals.
c) Utilization of chemical weapons of mass destruction means the emission, discharge, dispersal, release or escape of any solid, liquid or gaseous chemical compound which, when suitably distributed, is capable of causing incapacitating disablement or death amongst people or animals.
d) Utilization of Biological weapons of mass destruction means the emission, discharge, dispersal, release or escape of any pathogenic (disease producing (micro-organism(s) and/or biologically produced toxin(s) (including genetically modified organisms and chemically synthesized toxins) which are capable of causing incapacitating disablement or death amongst people or animals.
Also excluded hereon is any loss or expense of whatsoever nature directly or indirectly arising out of, contributed to, caused by, resulting from, or in connection with any action taking in controlling, preventing, or suppressing any, or all, of the above. In any event any portion of this exclusion is found to be invalid or unenforceable, the remainder shall remain in full force and effect.
2. Directly or indirectly occasioned by, happening through or in consequence of mountaineering normally requiring the use of ropes or guides, winter sports, riding or driving in races or rallies or participation in competitions or professional sports, pot-holding or underground activity, underwater activities that require the use of artificial breathing apparatus, suicide, mental illness, anxiety or depression, self-inflicted injury, the use of any drugs (other than medically prescribed by a qualified medical practitioner but excluding drug addiction), alcoholism, venereal disease, self exposure to needless peril ( except in an attempt to save human life), driving powered vehicles for which the Insured Person does not hold a full license and riding or driving two-wheeled vehicles of 125cc or over.
3. Directly or indirectly occasioned by, happening through or in consequence of aviation other than as a fare-paying passenger in a duly certified scheduled multi-engined passenger carrying aircraft flown in the course of licensed operation for transport of passengers by a properly licensed crew.
4. Arising from the loss or destruction of or damage to any property whatsoever or any loss or expense whatsoever resulting or arising there from or any consequential loss directly or indirectly caused by or contributed to by or arising from:
a) Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel or
b) The radioactive toxic explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
5. Arising out of incidents which may give rise to a claim not notified direct in writing or by telephone to the appointed Assistance Company within 31 days of that incident.
6. In respect of items more specifically insured elsewhere.
7. Arising as a result of consequential loss of any kind.
8. Arising out of an injury, illness, death, loss, expense or other liability attributable to HIV (Human Immunodeficiency Virus) and/or HIV related illness including AIDS (Acquiring Immune Deficiency Syndrome) or ARC (AIDS Related Complex) and/or any mutant derivative or variations thereof however caused.
9. Arising out of one-way Journeys exceeding 90 days duration.
10. As the result of the Insured Person engaging in any criminal or illegal act.
11. Arising from bankruptcy or liquidation of any party on whom the Journey depends.
12. Arising directly or indirectly from charges levied for services received in the Insured Person's Country of Domicile or any treatment or medication which can be reasonably be delayed until the Insured Person's return to their Country of Domicile or which at the time of departure is known to be required or continued during the Journey or when travelling abroad.
13. Pre-planned or pre-known medical treatment abroad.
14. Arising directly or indirectly from any form of emergency cosmetic surgery and/or treatment following Accidental Bodily Injury.
15. Expenses incurred and payable more than twelve months after the date of incident giving rise of a claim.
16. Charges for private room accommodation.
17. Expenses incurred for in-patient treatment not specially authorized by Insurers or their appointed Emergency Assistance Company.18. Repatriation expenses not specially authorized by Insurers or their appointed Emergency Assistance Company.
19. Costs incurred after the Insured Person is medically fit to be repatriated after illness/accident abroad.
20. Any treatment, costs or expenses or medication of any kind once the Insured Person(s) has (have) returned to their Country of Domicile.
21. Where at the time the Insured Person has booked the Journey, any person whose condition gives rise to a claim:
a) is receiving or in a waiting list for in-patient treatment in a hospital or nursing home
or
b) is expected to give birth before, or within 2 months following date of arriving home
or
c) is travelling against the advice of a registered Medical Practitioner or for the purpose of obtaining medical treatment abroad
or
d) has been given a terminal prognosis
or
e) arising from or contributed to by or aggravated by any preexisting medical or physical condition
22. For damage due to moth, vermin, wear and tear, atmospheric or climatic conditions or gradual deterioration.
23. For breakage of fragile articles, china, glass or sculpture or arising from the scratching of any lense(s).
24. For loss or damage to sports equipment whilst in use.
25. For loss due to confiscation or detention by Customs or other authority.
26. For loss of stamps, documents, deeds, manuscripts or securities of any kind.
27. For loss or damage whilst in the custody of an airline or other Common Carrier, unless such loss or damage is reported to the carrier immediately upon discovery and in the case of an airline a Property Irregularity Report obtained along with written confirmation of the date of loss or damage and the exact time of delivery of the Baggage back to the Insured Person, only if recovered. Airline or other baggage tags must be kept. In addition, the airline or other Common Carrier must provide written confirmation that the Insured Person has not received any financial compensation from them due to the loss or damage to the Baggage.
28. For loss or damage to goods, samples or tools and motor accessories.
29. For loss of money held in trust or otherwise, cash, bank, or currency notes, cheques, postal, or money orders, traveler's cheques, travel tickets, passport and petrol coupons.
30. In respects of jewelry, electric, electrical and photographic equipment, audio and video equipment and valuables packed in suitcases or other receptacles whilst travelling.
31. For damage to suitcases, haldalls, hand-baggage or similar, unless rendered unusable.
32. For loss of or breakage to contact or corneal lenses or spectacles and sunglasses, dentures, bridgework, hearing aids and artificial limbs.
33. For loss due to staining of any kind.
34. Property the Insured Person leaves unattended in a public place.
35. Arising directly or indirectly from or due to:
a) Employers liability, contractual liability, or liability to a member of an Insured Persons, family, or travelling companion.
b) Animals belongings to or in the care, custody or control of an Insured Person.
c) Any willful, malicious or unlawful act.
d) Pursuit of trade, business or profession.
e) Ownership, or occupation of land or buildings (other than occupation only of any temporary residence).
f) Ownership, possession or use of vehicles, aircraft or water craft.
g) The influence of intoxicating liquor, drugs (except as medically prescribed), activities requiring the use of motorized equipment, the use of firearms, organized sporting activity, hazardous employment or occupation.
h) Legal costs resulting from any criminal proceedings.
36. Arising directly or indirectly from the failure or fear of failure or the inability of any equipment or any computer program to recognize, interpret correctly or process any date as its true calendar date or to continue function correctly beyond that date.
37. a) In respect of shortages due to error, omission, exchange or depreciation in value or confiscation by Customs or other Authority.
b) Involving theft or suspected theft not reported to the Police within 24 hours of loss or discovery of loss and a written report obtained.
c) In resect of baggage which is left unattended by the Insured Person unless in a locked room or a locked car boot which is separate from the passenger's compartment or concealed by a parcel shelf in the fixed position, and there is evidence of violent and/or forcible entry.
38. a) Arising directly or indirectly from the arrival by the Insured person at the departure point after check-in time.
b) Any delay not supported by a signed statement or certificate confirming the period and reason for delay from the Common Carrier (on their handling agents), at the place of departure.
c) Arising directly or indirectly from withdrawal from service (temporary or otherwise) of an aircraft or sea vessel on the recommendation of a Port Authority, or the Civil Aviation Authority or any similar body.
d) Arising directly or indirectly from Strike or Industrial Action in existence at the time of booking the Journey.
e) Arising directly or indirectly from the financial failure or financial difficulties of the Transport Operator.
39. Costs or expenses incurred for any claim brought against a Tour Operator, Travel Agent, Carrier or the Insurers of t his Insurance.
40. Costs or expenses incurred prior to the granting of support by the Insurers.
41. Any claim reported more than 31 days after the commencement of the incident giving rise to such claim.
42. Any claim where the Insurers consider that the prospects of success in achieving a reasonable settlement are insufficient and/or where the laws, practices and/or financial regulations of the country in which the incident occurred preclude the Insured Person from obtaining a satisfactory settlement.
43. Any costs or expenses incurred without the prior written consent of the Insurers.
Purchase Protection Insurance Policy
1. The first amount of each and every loss shown in the schedule as "Deductible"
2. More than the limit of Indemnity stated in the schedule
3. For loss or damage which is covered under any other insurance or which would be so covered but for the existence of this insurance
4. Any amount by way of contribution
5. Claims for loss of damage to jewelry, cameras or video recording equipment contained in baggage which is neither carried by the insured Person by hand nor under the personal supervision of the Insured Person
6. Claims for articles which the insured person damages through alteration (Including cutting, sawing or shaping) or abuse
7. Claims for loss by theft where theft cannot be substantiated
8. Claims for loss of or damage to property whilst in the care, custody or control of any Common Carrier
9. For loss or damage arising from the illegal act of the Insured Person
10. For loss from unattended vehicles
11. For loss, damage, cost, claim or expense, whether preventative, remedial or otherwise, directly or indirectly arising out of or relating to the failure or the fear or failure or the inability of any computer equipment or any computer program to recognize, interpret correctly or process any date as its true calendar date or to continue to function correctly beyond that date whether the property of the Insured Person or not. (Exclusion 11 applies regardless of any other cause or event that contributes concurrently or in any sequence to the loss, damage, cost, claim or expense).
12. For loss or damage arising directly or indirectly from:
-Wear and tear, gradual deterioration, moth, vermin and inherent product defect.
-Actual or threatened war, invasion, act of foreign enemies, hostilities, insurrection (whether war be declared or not), terrorism civil war, rebellion, revolution, military or usurped power, confiscation, nationalization, requisition or destruction of or damage to property by or under the order of any government or public or local authority.
-Ionizing radiations or contamination by radioactivity from any nuclear waste from the combustion of nuclear fuel.
-The radioactive, toxic explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
-Confiscation by any government, public authority or customs official.
Fraud or deception.
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